How Long Have Insurance Companies Inserted The Clause 'not To Be Used For Commuting', In Their Policies?

[anotheoldgit]

http://www.dailymail.co.uk/news/article-5188153/West-Yorkshire-police-seize-car-no-commuter-insurance.html

I wonder how many working age motorists, use their vehicles only for 'Social, domestic and pleasure purposes?

Mind you these days, 'pleasure purposes' is a laugh, who gets pleasure from motoring on the roads today?

[EDDIE51]

bhg481 I agree , I bet the car flagged up as 'of interest' on the ANPR and him saying he was going to work gave them the excuse to arrest and charge him. He should have said he was going shopping.

[ToraToraTora]

judge: "There have been numerous incidents where (in particular) drivers have been stopped whilst delivering takeaway food, telling the police that they were simply “helping out” and were not employed. The police can immediately tell whether the vehicle is covered for business use and take the appropriate action" - exactly that happened on the recent "traffic cops at xmas" program, a very irate Chinese woman was stopped delivering a takeaway, initially because she was using a mobile phone whilst driving subsequent checks showed no business cover. The car was taken to the pound, she got 8 points and a fine + costs of getting the car back.

[bhg481]

TTT - "Very Irate Chinese woman"; that's got to be understatement of the year. My ears are still ringing.

[ToraToraTora]

yeah, in the end they called her husband and son. I think the plods showed remarkable restraint, if it'd been a bloke they'd have tazered him!

[Old_Geezer]

If I recall properly, when ticking the boxes on the form, social use included driving to & from work. It was business use that differed. So 'no commuting' sounds an unexpected clause to me.

[woofgang]

Not on any policy I have ever had OG.....as I said, I notice these things because of having had to have the right cover for work, and also because I had to check the cover that my staff had to be sure that they had the right cover to be allowed to claim mileage.

[New Judge]

“So 'no commuting' sounds an unexpected clause to me.”

You keep on saying this, OG. I keep on saying it is not unexpected. Do yourself a dummy quote on here:

https://m.quote.comparethemarket.com/Car/about-your-vehicle/vehicle-details

Question #1 – Vehicle details
Question #2 – Vehicle Usage:

You are given 3 options in big bold boxes:

Option 1 – Social Domestic and Pleasure (SDP) only
Option 2 – Social, Domestic, Pleasure and Commuting (SDPC)
Option 3 – SDPC and Business use

Or here:

https://www.moneysupermarket.com/car-insurance/

You need to get a bit further in (they ask for driving licence details, accidents, claims and convictions first). But on page two:

How do you use your car?

Again, 3 options in big bold blue boxes

1 – Social Only
2 – Social and Commuting
3 – Social, Commuting and for Business

An “information” icon is available for this question. Clicking it reveals this:

---------------
Why does this matter?
Insurers look at how you use your car to work out how much risk there is in insuring it.

See which option most closely matches your needs:

Social only – Choose this if you only use the car for your own reasons – and never drive to work or to where you study, and never drive for work either.

Social and commuting – Choose this if you drive to and from a single place of work or where you study, but don’t do any other business travel.

Social, commuting and for business – choose this if anyone uses the car on business, away from a single place of work.
---------------------

Couldn’t be clearer. I’ve chosen two internet “supermarket” type providers. I imagine all of them and individual insurers, are very much the same.